First Business Financial Services (FBIZ) — Defensive Interval Ratio
First Business Financial Services (FBIZ) has a Defensive Interval Ratio of 40 days as of March 2026. Defensive assets of $389.65 Million (cash $-, short-term investments $376.42 Million, receivables $13.23 Million) cover 40 days of daily cash needs of $9.77 Million/day. See First Business Financial Services current assets vs equity to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
First Business Financial Services Defensive Interval Ratio (2003–2025)
This chart shows how First Business Financial Services's Defensive Interval Ratio has evolved across 23 annual periods from 2003 to 2025. As of March 2026, the ratio stands at 40 days, meaning defensive assets of $389.65 Million can fund 40 days of operations without new revenue. See FBIZ net asset quality index to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for First Business Financial Services (2003–2025)
The table below presents the year-by-year Defensive Interval Ratio for First Business Financial Services from 2003 to 2025, covering 23 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see First Business Financial Services (FBIZ) market capitalisation.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 9628 days | $3.35 Billion | $347.55K/day | $- | $8.71 Million | ▲ +9586 days |
| 2024 | 42 days | $354.27 Million | $8.51 Million/day | $- | $341.39 Million | ▲ +1 days |
| 2023 | 40 days | $310.28 Million | $7.66 Million/day | $- | $297.01 Million | ▲ +4 days |
| 2022 | 37 days | $221.43 Million | $5.99 Million/day | $- | $212.02 Million | ▼ -5 days |
| 2021 | 42 days | $226.94 Million | $5.41 Million/day | $- | $205.70 Million | ▲ +0 days |
| 2020 | 42 days | $214.82 Million | $5.13 Million/day | $- | $183.93 Million | ▼ -7 days |
| 2019 | 49 days | $206.99 Million | $4.23 Million/day | $- | $173.13 Million | ▲ +5 days |
| 2018 | 44 days | $177.21 Million | $4.05 Million/day | $- | $138.36 Million | ▲ +2 days |
| 2017 | 42 days | $161.81 Million | $3.85 Million/day | $- | $126.00 Million | ▼ -7090 days |
| 2016 | 7132 days | $205.45 Million | $28.81K/day | $- | $145.89 Million | ▲ +1086 days |
| 2015 | 6046 days | $166.17 Million | $27.48K/day | $- | $140.55 Million | ▲ +6009 days |
| 2014 | 37 days | $148.63 Million | $3.97 Million/day | $- | $144.70 Million | ▼ -30 days |
| 2013 | 67 days | $209.41 Million | $3.12 Million/day | $- | $180.12 Million | ▼ -5 days |
| 2012 | 73 days | $219.74 Million | $3.02 Million/day | $- | $200.60 Million | ▲ +7 days |
| 2011 | 66 days | $191.04 Million | $2.91 Million/day | $- | $170.39 Million | ▲ +49 days |
| 2010 | 17 days | $44.77 Million | $2.71 Million/day | $- | $41.37 Million | ▼ -29 days |
| 2009 | 45 days | $122.56 Million | $2.70 Million/day | $- | $104.17 Million | ▲ +38 days |
| 2008 | 7 days | $16.71 Million | $2.34 Million/day | $- | $4.47 Million | ▲ +2 days |
| 2007 | 5 days | $10.55 Million | $2.16 Million/day | $- | $203.00K | ▼ -1 days |
| 2006 | 6 days | $9.87 Million | $1.78 Million/day | $- | $246.00K | ▲ +0 days |
| 2005 | 5 days | $8.02 Million | $1.58 Million/day | $- | $8.00K | ▲ +1 days |
| 2004 | 4 days | $5.67 Million | $1.33 Million/day | $- | $27.00K | ▲ +0 days |
| 2003 | 4 days | $5.06 Million | $1.21 Million/day | $- | $- | — |